- Tips to avoid identity theft - Establishing an emergency fund - Planning your retirement savings - Learning and preparing for the unknown financials ahead - Financial products explained

- Ways to Create Income in Retirement - Income Allocation vs Asset Allocation - Phases of Retirement Spending - Creating a Spending Plan: Essentials vs Extras - How to create your own pension - Coordinating Taxes and Spending

Where will my money come from? -- Tax Strategies with your income -- Income planning for the phases of retirement: “Go-Go, Slow-Go, No-Go” -- Employer Distribution Options -- Annuities/Ladders -- Social Security Details / Strategies

Saving vs Investing  --  Your Retirement Plan investment options defined, and explained  --  The case for Alternatives  --  Growth vs Value  --  How important are dividends?  --  Risk Tolerance assessment done correctly  --  Guiding Principles and Strategies  --  What will happen with interest rates?

Current market volatility • Savings vs Investing • Your retirement plan investment options defined and explained • The case for alternatives • Growth vs Value • How important are dividends? • Risk tolerance assessment done correctly • Guiding Principles & Strategies • What will happen with interest rates?

Retirement Healthcare decisions made before age 65 -- COBRA, Affordable Care Act, etc.  -- What Medicare does and does not cover – “In plain English” -- Medicare Supplement vs. Medicare Advantage Plans -- Prescription Drug Plans -- The “Donut Hole” -- What are my Long-Term Care options?

Know the Rules – Deductions, Dividends and Dependents -Keeping Accurate Records – Save, Shred, or Recycle -What are Required Minimum Distributions -Tax Deferred Programs – The Ins and Outs -Tax Planning Strategies -Year End Planning Checklist -The Future?

Details about your High-Deductible Health Plan • Benefits, including the triple income tax advantages • How income protection fits in with health insurance • Differences between HSAs and FSAs - Eligible expenses Contributions - Who and how much? - Investing options - Do’s and Don’ts - What happens when I separate service?

The details of collecting - File at 62 or wait?  -  The impact of earnings from employment - How to coordinate benefits with your spouse - A discussion of the future of Social Security including proposed changes - Don’t miss out on benefits you’re eligible for!